American Express Co
Close on Nov 2, 2026Market cap $221.49BP/E 19.9Yield 1.00%
American Express Net Interest Income Divided by Average Card Member Loans
Net Interest Income Divided by Average Card Member Loans (%) (%)
American Express Net Interest Income Divided by Average Card Member Loans: 11.9% in FY2024, up 0.5 pts from a year earlier. That is the highest of the 9 years on record here. No newer figure appears in the documents we track.
Where the FY2024 figure comes from
“|| Net interest income divided by average Card Member loans including loans held for sale (N) | 11.7 | % | 12.0 | % | 11.7 | % | 12.2 | % | 11.7 | % | 11.9 | % | 11.4 | %”
Annual history
Hover a value to see the sentence it was read from; calculated values show their formula
| Period | Ended | Net Interest Income Divided by Average Card Member Loans (%) (%) | Year on year | Source |
|---|---|---|---|---|
| FY2024 | Dec 31, 2024 | 11.9% | +0.5 pts | 8-K EX-99.2 (Q4'24, filed 2025-01-24) ↗ |
| FY2023 | Dec 31, 2023 | 11.4% | +1.0 pts | 8-K EX-99.2 (Q4'24, filed 2025-01-24) ↗ |
| FY2022 | Dec 31, 2022 | 10.4% | +0.2 pts | 8-K EX-99.2 (Q4'23, filed 2024-01-26) ↗ |
| FY2021 | Dec 31, 2021 | 10.2% | -0.5 pts | 8-K EX-99.2 (Q4'22, filed 2023-01-27) ↗ |
| FY2020 | Dec 31, 2020 | 10.7% | +0.3 pts | 8-K EX-99.2 (Q4'21, filed 2022-01-25) ↗ |
| FY2019 | Dec 31, 2019 | 10.4% | +0.3 pts | 8-K EX-99.2 (Q4'20, filed 2021-01-26) ↗ |
| FY2018 | Dec 31, 2018 | 10.1% | +0.4 pts | 8-K EX-99.2 (Q4'19, filed 2020-01-24) ↗ |
| FY2017 | Dec 31, 2017 | 9.7% | +0.9 pts | 8-K EX-99.2 (Q4'18, filed 2019-01-17) ↗ |
| FY2016 | Dec 31, 2016 | 8.8% | – | 8-K EX-99.2 (Q4'17, filed 2018-01-18) ↗ |
Cite this data
StockData. (2026). American Express Net Interest Income Divided by Average Card Member Loans (%), annual FY2016–FY2024 [Data set]. Compiled from American Express SEC filings and investor materials. https://stockdatahq.com/stocks/axp/kpis/legacy-nii-div-avg-loans-pct
See every metric in the American Express KPI table. Data updated Oct 25, 2026.